Which Georgian bank card has no hidden fees for foreigners (Credo, TBC, Bank of Georgia)?

One traveler discovered that some Georgian banks (specifically Credo) charge up to 30 GEL if the card isn't used inside the country for over a month. She previously had a Kazakh bank card with no such hidden conditions — everything could be managed remotely without extra fees.

If you plan to leave Georgia and use the card abroad, Credo Bank requires keeping a minimum balance of 1000 GEL — otherwise extra fee schemes apply. For many, this is a significant amount that becomes a reason to choose a different bank.

Tip: before choosing a card, check the fee structure (e.g. via ChatGPT) — if you keep USD on the card instead of GEL, foreign transaction fees will be minimal.

According to one traveler's experience, Georgian cards generally work fine worldwide as a regular payment card. Fee issues mainly arise when withdrawing money from crypto exchanges to the card — the commission there is noticeably higher than for regular purchases or cash withdrawals.